....to chips and dip. I don't know what it is but i just love them.. i can eat chips and dip all day and night. Last night when i came home from meeting a friend after work i put the dinner on that the BF has prepared. While i waiting for that to cook i notice half a bag of chips and dip that were left over from the weekend. So i decided to have a few to tie myself over until dinner was ready (because i was pretty hungry)Before i knew it both the bag and the container were completely gone. And then when dinner was ready i wasn't really that hungry for it so i only ate a little bit. God only knows how many calories i ate with the chips and dip. And this is not the first time i have had that. On off days i have been know just to get a big bag of chips and couple of containers of dip and ate that for dinner.The worst part it that its soooo addictive. Then again more bad things for you are yummy and addictive.. :) So i have decided that i am banning chip and dip from the house for the month of Feb. I will not purchase or consume any chips or dip for the entire month of Feb. The BF has his chips and dip but he has chips and salsa and i really don't like the kind he loves.. so i know i wont eat them..So we shall see how things go. I know i can do it (i can do anything i put my mind to) its just a question of will power.. because really they are so dam tasty together :)

Looking back on things there are always things you wish you knew then that you didn't know now. That, i feel, is just part of human nature. But one particular incident comes to mind for me.When i was about 24 i took out a loan for reasons i will not go into now. The loan was for $10.000 and if i remember correctly the interest was about 9% at the time. I don't remember much about the interest rate but i remember that the loan was for 5 years and the monthly minimum payment was $240.00 per month.I finished paying that loan in the 5 years on schedule. I should also mention that about half way through this loan i decided to move to Canada (for only a year at that time, which turned into a permanent move).Fast forward to today i realized that by paying minimum payments on that loan i gave the bank $4,400.00 in interest. Plus every time i send money home via bank transfer the cost of that was a bank fee of $28.00. Now if i was smart enough to research ways to pay off the debt faster and learned what i know now about paying off that debt and just put an extra $100.00 per month extra only that debt i could have paid it off the debt about 18 months faster, saved about $2000 in interest AND if i shaved year off and not sent money down i could have also saved about $300 in transfer fees along. So when you think about it that is a lot of money i could have saved if i just paid that little extra every month on that loan.I am not dwelling on it or anything. I mean i paid it off within the time frame and i got what i needed from the loan but its funny the things you learn over time and realize you could have utilized that information years ago... also it gives me motivation to not let that happen again and pay off my debts faster so i don't overpay the bank again..

Not sure if I mentioned this, I don't think I did but anyway. I weighed myself at the beginning of the year so I had a start off point for my goal this year of loosing weight this year. I wanted to be at least 200 pounds by the end of this year. Achievable goal right.. based on my previous weight I just had to loose about 30 pounds in a year to achieve that.. I thought it was an attainable goal for you.Until I weighed myself.. obviously I had put on a "little" weight between the holiday to Cuba and Christmas. I weighed in at 249 pounds. that is like 15-20 more then I was in September.. holy crap I sayI did weigh myself using the WII fitness so I am not sure how accurate it all it but still... that number is something I wasn't ready to see.Amazingly though I don't feel upset about it. I know where I stand and I know I have to work a little harder. I still have a goal of getting to under 200 pounds for the year and at least now I have some idea of where I stand and what I need to do to achieve it. And I still have my goal of buying myself a new DVD if I loose 10 pounds this month. So far doing well but like with everything time will tell (doesn't help that my birthday was this past week). Oh well such is life...

Every year I seem to get what I call "birthday blues" in the week leading up to my birthday I just get depressed for reasons I don't understand. Then when I think about why am I feeling like this the reasons seems to be so silly. Part of my brain is saying "its your birthday you are about to turn another year older and look at what you have done with your life nothing" then the other side is saying "no but look at all the things you have done... all the people you have met and the fun time you have had" then I start having regrets about the things I didn't do and worry about the future and realize that the things I really want in life are probably never going to happen (the biggest one was eventually being a stay at home mum) then my head fights with my body and I end up with a really big headache..I usually am fine with in a day or two but this year for some reason its been particular difficult on me and I can't figure out why..Saturday night (my birthday weekend) was particularly bad and I was so depressed I ended up leaving the pub I was at in tears and it was made worse for me because no one even noticed. I felt invisible and useless. No one seems to notice that I wasn't at the bar watching the band play.. AND I being broke on your birthday weekend is sucky beyond belief. I didn't even get a buzz going. I felt like no one cared it was my birthday weekend... including my boyfriend who was more concerned about hanging out with this friend and his friend's brother.. To make things even worse was I didn't want to talk to my BF about it as I felt the reasons were silly and I told him I would be fine as I just needed a couple of days.. He kept yelling at me demanding what was wrong and refused to take that as an answer. On the way to a show on Sunday night he basically wanted to say sorry to him for me being depressed and if I didn't he wouldn't come to the show. I refused to say sorry for the fact that I was feeling down (I am allowed to have my own feelings regardless) and went to the show by myself. THAT pissed me right of.. I basically called him a couple of choice four letter words and got out of the car.. screw that. He has no idea what people with depression deal with and wanting me to say sorry to him because I was down was just stupid and wrong. I was so angry and upset about the whole thing AND he kept on me on Monday morning to.. He did say sorry for this actions but honestly the damage is done. I don't know.. I guess I should have talked to him about what was going on but the last time I bared my sole and told him I was having trouble in an area he yelled at me we got into a big fight and the threatened to leave.. so forgive me if my confidence in that is not exactly high..I am sure I will be fine.. it was just a crappy birthday weekend. I am taking this weekend as my birthday weekend part 2.. hopefully it will go better then the last weekend.. I will get over these birthday blues.. I get them every year so I know its just a phase. Wish I knew why I get them though.. does anyone get the birthday blues

January has quickly become the month I both love and hate... I hate it because its cold, dark, raining and winter.. Its when all the diet product and gym memberships go on sale and I am reminded that I am a big girl every where I look it all about dieting and exercising (like I don't already know that). Its also the time of year where everyone in the office starts to bring in the chocolates, cookies and goodies they received over Christmas but don't want to eat themselves and bring it in to "share" with the office. There goes my healthy eating plan :)I love Jan as its a time to start fresh and plan for the future endeavors to be taken in the year, chance to catch up with friends whose calendars are now clear after the silly season and of course my birthday (which is in a couple of weeks). I seem to find this more and more each year I start to feel worse in Jan. I had a moment this morning when I realized that its going to be cold on my birthday (I was born in Australia so my birthday was usually always warm and wonderful) and I really don't have a lot of money to spend on my birthday. But this year I am taking Jan with a silver lining.. Yes I don't have a lot of money for my birthday but I am saving for travelling (which is always a lot of fun). I have spent the past year working hard to maintain the goals I have had and although some worked better then others I go into this year with optimism.Jan may be dark, wet and miserable but I am going to make the best of it. Life is to short to be sad

Wishing you all a Happy New Year. Here is a to a great 2013.My New Years was relatively quiet. The BF and I stayed home, watched movies, made a great lobster dinner and spend the evening drinking and eating crappy food. I know that is not the greatest way to start the year and when you have goals of loosing weight its definitely not the best way to spend New Years Day just hanging around in our underwear being couch potatoes and watching movies but its all good. We just had a day and a night of doing nothing and eating and drinking what we wanted. As for resolutions.. I generally don't make resolutions.. they never work and I never started them on Jan 1 anyway. For me they definitely don't work. I have goals.. Goals for me are more achievable and if done right can be done. As you can see from my previous post I have my goals for 2013 (Click here to see again) but I do have far more goals then what is listed. Basically I wrote down all the goals and things I want to do ever in my life. No matter how small or big.. not matter what the cost was or the limitations I just emptied my head onto some paper and wrote down everything I wanted to do and/or achieve. I then picked the 13 I want to do this year for sure.. Hey I may want to add more from my goal list as time goes on but for now I have what I want to achieve for this year, and my goals this year may also change depending on circumstances. Of course I can always add things onto my initial goal list.. its more like a master list. So I have decided to instead of writing out goals for the month I would take a goal from my list and break it down as to make it the best way to achieve. Like a plan to reach that goal before December 31, 2013.So for January I am picking one goal to work on (for now)... Loose 30 poundsAlthough I am going to change that slightly to loose 50 pounds. I weighed myself the other day and I weight *gulp* 249 pounds. I weighed myself using the WII-fit so I am not sure how accurate that is but its something to start on and work towards right. So my goal is to be under 200 pounds but the end of this year. To achieve this I need to loose about 5 pounds per month. So that's my goal 5 pounds per month. So achieve this I need to chuck out the junk food in my life, eat more healthy food and exercise more. I have been slacking more and more at the end of the year came around and I know I can do this as I have done it before.. I KNOW I can do it again. So I need to get back into the gym (which I am going to do with a friend of mine), get back into walking again (good use of the lunch time hour). cut back on junk food (main culprit is pop) and eat more healthy.So for right now I am going to do the following (or at least strive to do this)- Get up earlier and eat breakfast - Go to the gym with my friend at least twice a week Prepare for the week ahead, especially when things get busy with the theatre group and plan meals in advance. - Cook more healthy meal (thinking of doing two weeks where every night I cook a dish I haven't done before) - Drink more water and cut down on pop - Sleep more by getting regular sleep patternSo all I need is a reward. Something to keep me motivated to keep going. If I achieve this goal and loose 5 pounds for the month of January I will buy myself Resident Evil 3 on DVD. That's a pretty good reward don't you think (well for me it is LOL) Ok so I have my goals for Jan.. and GO!!

Welcome..

..to the world of the Poor Fat Chick. Just a personal blog of a 30 something old female looking to regain her life back in weight and finances. Trimming the fat so to speak. Both off the body and debt. Sometimes it will be more finance, sometimes weight loss and other times personal. Feel free to comment or ask me questions. Thanks for stopping by

NOTE: I am not a financial planner or personal trainer or have any training in those areas.. all the opinions here are my own.. just trying to do best for me and my family